Dental Financing

Numerous independent finance plans and reputable finance companies offer a wealth of options to meet the budget and credit limit requirements for most applicants. Funds received from dental finance companies may be used for out-of-pocket dental costs or for the dental procedure itself. There are “same-as-cash” finance options with 0% interest for extended time periods ranging from 12 to 24 months, as well as other low interest rate options requiring monthly installments with little or no down-payment.

Treatment plans may begin the day of your initial consultation or up to 60 days after application approval. In order to determine the right finance option, contact your dentist and ask if the practice has made an agreement with one or more finance companies.

You may complete a dental finance application in your dentist’s office, online at a finance company website, or through a toll-free number. Usually, finance approval arrives within minutes. Many times, credit history does not influence the approval process. Of course, with any finance agreement, read the fine print to check for hidden fees. If you do not have dental insurance, dental financing may make sense. At the same time, resources are available to help low-income, uninsured individuals receive dental treatment.